Hi- the browning on leaf edges is probably a temporary stress symptom from extreme spring weather and the challenge of establishing a root system. 

Send photos of other symptoms you may be concerned about.

The insects are ladybeetle larvae. These are natural enemies of pest insects, such as aphids.

Please read the apple information on our website:

https://extension.umd.edu/programs/environment-natural-resources/program-areas/home-and-garden-information-center/food-gardening/fruits-home-garden

And we suggest that apple growers learn about the many pest and disease problems and the spray schedule to prevent them (see section 3 beginning on page 85):

https://mgnv.org/wp-content/uploads/2021/03/2021PestManagementGuideHomeGroundsandAnimals.pdf

Jon